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Zambia National Commercial Bank (LUS:ZANACO) Net Interest Margin (Bank Only) % : % (As of . 20)


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What is Zambia National Commercial Bank Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Zambia National Commercial Bank's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was ZMW Mil. Zambia National Commercial Bank's average earning assets for the quarter that ended in . 20 was ZMW Mil. Therefore, Zambia National Commercial Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Zambia National Commercial Bank Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Zambia National Commercial Bank's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Zambia National Commercial Bank Net Interest Margin (Bank Only) % Chart

Zambia National Commercial Bank Annual Data
Trend
Net Interest Margin (Bank Only) %

Zambia National Commercial Bank Semi-Annual Data
Net Interest Margin (Bank Only) %

Competitive Comparison of Zambia National Commercial Bank's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Zambia National Commercial Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Zambia National Commercial Bank's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Zambia National Commercial Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Zambia National Commercial Bank's Net Interest Margin (Bank Only) % falls into.



Zambia National Commercial Bank Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Zambia National Commercial Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Zambia National Commercial Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Zambia National Commercial Bank  (LUS:ZANACO) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Zambia National Commercial Bank Net Interest Margin (Bank Only) % Related Terms

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Zambia National Commercial Bank (LUS:ZANACO) Business Description

Traded in Other Exchanges
N/A
Address
Cairo Road, Plot 2118 - 2121, P.O Box 33611, Lusaka, ZMB
Zambia National Commercial Bank PLC offers commercial banking services. The company's segment includes Corporate Banking; Business Banking; Retail Banking; Digital Banking and Treasury. It generates maximum revenue from the Corporate Banking segment. The Corporate Banking segment provides corporate and investment banking solutions which incorporate direct debit facilities, deposits products, overdrafts, loans and other credit facilities, and foreign currency solutions.

Zambia National Commercial Bank (LUS:ZANACO) Headlines

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